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Income Statement
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Balance Sheet
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Income Overview
Net Income
$885M
EPS
$2.59
Unit: Million (M) dollars
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Page 1
Quarterly
123
Page 1
Income Statement
2026-06-30
2026-03-31
2025-12-31
2025-09-30
Interest and fees on loans (note 4)
5,380
5,413
5,548
5,510
Interest on cash and debt securities
203
190
186
221
Total interest income
5,583
5,603
5,734
5,731
Interest on deposits
767
770
781
812
Interest on borrowings of consolidated securitization entities
111
106
104
105
Interest on senior and subordinated unsecured notes
97
92
88
94
Total interest expense
975
968
973
1,011
Net interest income
4,608
4,635
4,761
4,720
Retailer share arrangements
1,027
1,070
1,094
1,024
Provision for credit losses (note 4)
1,201
1,335
1,442
1,146
Net interest income, after retailer share arrangements and provision for credit losses
2,380
2,230
2,225
2,550
Interchange revenue
300
264
289
272
Protection product revenue
161
161
156
149
Loyalty programs
436
361
399
368
Other
112
69
80
74
Total other income
137
133
126
127
Employee costs
516
515
575
503
Professional fees
220
209
243
240
Marketing and business development
137
114
148
120
Information processing
248
262
239
226
Other
210
216
194
159
Total other expense
1,331
1,316
1,399
1,248
Earnings before provision for income taxes
1,186
1,047
952
1,429
Provision for income taxes (note 13)
301
242
-
352
Net earnings
885
805
-
1,077
Basic EPS
2.61
2.29
5.166
2.89
Diluted EPS
2.59
2.27
5.095
2.86
Basic Average Shares
331,300,000
342,400,000
352,300,000
365,900,000
Diluted Average Shares
334,100,000
346,000,000
357,200,000
369,900,000
Page 1
Unit: Million (M) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.
Page 1
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Time Plot
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Income Statement
Credit Card
Receivables
$5,092M
(0.32%↑ Y/Y)
Consumer Loan
$187M
(-9.66%↓ Y/Y)
Commercial Portfolio
Segment
$100M
(132.56%↑ Y/Y)
Unallocated Financing
Receivables
$1M
(-50.00%↓ Y/Y)
Interest and fees on loans
(note 4)
$5,380M
(0.98%↑ Y/Y)
Interest on cash and debt
securities
$203M
(-21.32%↓ Y/Y)
Total interest income
$5,583M
(-0.05%↓ Y/Y)
Net interest income
$4,608M
(1.92%↑ Y/Y)
Interchange revenue
$300M
(11.94%↑ Y/Y)
Total interest
expense
$975M
(-8.45%↓ Y/Y)
Protection product revenue
$161M
(11.81%↑ Y/Y)
Other
$112M
(69.70%↑ Y/Y)
Net interest
income, after retailer...
$2,380M
(-0.13%↓ Y/Y)
Total other income
$137M
(16.10%↑ Y/Y)
Provision for credit
losses (note 4)
$1,201M
(4.80%↑ Y/Y)
Retailer share
arrangements
$1,027M
(3.53%↑ Y/Y)
Loyalty programs
$436M
(21.11%↑ Y/Y)
Interest on deposits
$767M
(-10.29%↓ Y/Y)
Interest on borrowings of
consolidated securitization...
$111M
(6.73%↑ Y/Y)
Interest on senior and
subordinated unsecured notes
$97M
(-8.49%↓ Y/Y)
Earnings before
provision for income taxes
$1,186M
(-5.57%↓ Y/Y)
Total other expense
$1,331M
(6.91%↑ Y/Y)
Net earnings
$885M
(-8.48%↓ Y/Y)
Provision for income taxes
(note 13)
$301M
(4.15%↑ Y/Y)
Employee costs
$516M
(1.38%↑ Y/Y)
Information processing
$248M
(15.35%↑ Y/Y)
Professional fees
$220M
(-6.78%↓ Y/Y)
Other
$210M
(32.91%↑ Y/Y)
Marketing and business
development
$137M
(7.87%↑ Y/Y)
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Synchrony Financial (SYF-PB)
Synchrony Financial (SYF-PB)